DSCR will help if you are tapped out of conventional loans and you don't qualify for a traditional loan based on your personal DTI.

@Patrick Hancock let's touch base next week

But to date, I've just set my rents at a rate that accounts for me having to pay the water bill - and informed the residents that each year I'll increase the rent based upon my expenses (including water), so keeping the bill down helps me to help them.But one problem this could cause is if increasing the rent to cover the water bill then places your rent above the market rate.

Other areas constantly threaten to curtail the ability to use homes for str whereas sevier county is based on the rental of cabins and they have zoning that can never be rescinded to guarantee it. 

Loan interest is deductible based on it's use-not the asset securing it. 

I’m Mark, a new real estate investor based in San Diego, leveraging my background in AI-driven lead generation to find off-market deals.I’m currently looking for small multifamily properties (duplexes, triplexes, or quads) to rehab and house hack, to build long-term cash flow while living in the property.Outside of real estate, I’m into fitness, golf, and exploring San Diego’s best outdoor spots.

These are just guidelines and may need to be adjusted based on your property's location and class.

I've paid for a handful of programs over the years from cheap to expensive and narrow-focused to broad-based. 

Based on the prices, now seems like it's probably a pretty good time to buy in Galveston. 

If it came before the counsel, we'd be able to argue with a pretty strong case based on the dual-use of almost the entire neighborhood.